Products & Services

We will loan up to 100% of the manufacturer's price, plus sales tax and extended warrantees for new vehicles, and up to 100% of the NADA book value for used vehicles. This applies not only to cars and trucks, but motorcycles, boats, recreational vehicles, travel trailers, campers, classic/collectable cars and airplanes. We offer a variety of interest rates and payment length options. Contact a loan officer at your nearest branch for details or click here to apply for a loan.

Liberty Alliance Federal Credit Union, working with Member's Leasing and Sales, also offers leasing of new vehicles. Contact a loan officer in your local branch office, our Main Office, or Mike Moorman at Member's Leasing and Sales (1-800-491-3999).

Secured loans are also available using other types of collateral, including musical instruments, stock or business equipment. Contact a loan officer for details.

Mortgages

Liberty Alliance Federal Credit Union offers first mortgages up to 100% of purchase price and terms of up to 30 years. Both fixed and variable rate mortgages are available. Click here for rates, and/or contact a loan officer for details. Locate your closest branch here. If you already own your home, LAFCU also offers several loan products that let you access your equity, including Second Mortgages, Home Equity Loans/Lines of Credit and Home Equity VISA*. Contact a loan officer for details at your local branch.

Signature Loans

We offer both Closed End and Signature Line of Credit Loans to members who would like a loan without using property or a vehicle as collateral. Signature Line of Credit loans can be set up, and then drawn upon as needed, for emergencies or linked to a share draft (checking) account to prevent overdraft fees and bounced checks. Closed End loans are for a set amount, which is withdrawn when the loan is opened. Both of these loans can be approved in as little as one hour. Contact a loan officer for details at your local Branch. Click here to download a loan application (pdf).

Lifestyle Loans

Consumers have seen an increase in the cost of Health Care and the rise in popularity of elective procedures to enhance our Lifestyles. Liberty Alliance is aware of the changing needs of our members and offers a special category and rate on Lifestyle Loans.

Lifestyle Loans can be used to finance many types of purchases to enhance your Lifestyle. This can include:

Laser Eye Surgery
Adoption Assistance
Infertility Treatment
Cosmetic Surgery (including Liposuction, Eyelid surgery, etc.)
Other "Elective" Procedures

Traditionally these items have not been covered by most Medical Plans. Liberty Alliance can help you afford the Lifestyle you desire.

Contact a loan officer for details at your local Branch. Click here to download a loan application (pdf).

VISA

A full range of VISA credit card products are available from Liberty Alliance Federal Credit Union. These include VISA Signature, VISA Select Rewards Platinum, VISA Travel Rewards Platinum, VISA Cash Rewards Platinum, VISA College Rewards, Young Adult, VISA Platinum with Alternative Pricing and MasterMoney Debit Cards. Contact a loan officer for details at your local Branch or you may click here to apply online.

You can access statements, find transactions, pay your bill, set alerts, view your expense report, etc. online at VISA or call (800) 558-3424. Verified by Visa protects your existing Visa card with a password you create, giving you reassurance that only you can use your Visa card online. Simply activate your card and create your personal password. You'll get the added confidence that your Visa card is safe when you shop at participating online stores. Sign up.

Commercial/Business Loans and Services

We have recently refined our selection of financial products and services for our business customers to include:

Commercial Real Estate Loans
SBA Loans*
Credit card processing
Share Draft (Checking) Accounts
Company credit cards
Employee Benefit Plans
Business insurance products
Credit Union membership for your employees

We specialize in providing "one-on-one" personalized service and experienced business finance professional. Just contact Mike Routt at (859) 245-3777, or (800) 499-3777 to see what a financial alliance with Liberty Alliance Federal Credit Union can do for your business.

*The Small Business Administration (SBA) has an excellent website and it is a great resource to small business owners. If you are considering starting your own business or already are a small business owner, the SBA's website has many useful resources to assist you in managing and operating your business. LAFCU is an authorized SBA lender and is your direct source for Small Business Financing.

Student Loans

If you have a college bound student in your family, we are your source for college funding and other financial products and services. Whether you need to secure a loan based on a Federal Government program, or a personal loan (home equity loan, computer loan, vehicle loan, etc.) or both, see us. We can also help with credit cards, share draft (checking) accounts and more.

Federal Programs: There are a number of Federal loan programs available to college students and their parents. We work with financial aid officers at schools across the country. The first step is to complete and submit the universal FAFSA application, available from the financial aid office at the school, or, online at www.fafsa.ed.gov. After approval, bring the approved application to us for processing. We'll take care of the details.
Conventional Loans: If your college student needs a car, computer, furniture or anything else, a conventional loan may be your answer. We have a variety of loans available, including our very economical home equity loans or lines of credit. Just contact a loan officer at your nearest branch, or apply online.
Other Financial Products and Services: We can supply a comprehensive package of financial products and services for college students, including Share (savings) accounts, Share Draft (checking) accounts, debit cards, VISA cards and internet financial services via CU@Home (includes bill-pay, funds transfers, verification of balances, seeing when checks clear, etc.). This is ideal for students who are away from home.

Rely on Liberty Alliance Federal Credit Union for a complete package of financial products and services for the college students in your family.